Landlord Insurance for Small Rental Properties
Protection for 1–4 Unit Homes and Local Portfolios
At Refine Risk, we design smart, stable insurance for small rental property owners across New York City, Westchester County, and Fairfield County. Whether you rent out a duplex in Brooklyn or manage a three-family in Stamford, we build systems that protect your investment, income, and future.
Who We Serve
We work with landlords and independent investors who:
- Own 1–4 unit residential properties rented to tenants
- Manage small multi-family buildings or legacy homes
- Use local property managers or self-manage
- Hold real estate across New York, Connecticut, or both
- Operate long-term, cash-flow focused rental strategies
From your first two-family in Queens to a portfolio of triplexes in Westchester, we provide coverage that keeps you moving forward.
Key Coverages We Offer
Landlord Property Insurance
Protection for your building structure from fire, storm, vandalism, and water damage. Coverage tailored for leased homes, townhomes, and multi-family buildings.
Loss of Rental Income
Pays your lost rent if a property becomes uninhabitable due to a covered event. Supports cash flow while repairs are underway.
Premises Liability Insurance
Protects you if a tenant or guest is injured on your property—like a fall on icy stairs or broken pavement. Often required by lenders and always smart in high-density areas.
Tenant-Caused Damage Coverage
Optional protection for physical damage caused by negligence or unauthorized changes. A smart add-on for self-managed properties.
Equipment Breakdown Insurance
Covers sudden failure of boilers, HVAC, water heaters, and built-in appliances—beyond what standard property insurance handles.
Ordinance or Law Coverage
Covers the cost of bringing a damaged building up to code after a loss. Especially important in older buildings across NYC and Fairfield County.
Umbrella Liability Insurance
High-limit protection for added security across multiple properties or higher-risk tenancies.
Workers’ Comp for Building Staff
Protects you if you hire a superintendent, porter, or repair professional. Required in most cases where you have on-site help.
Why Landlords Choose Refine Risk
Your rental properties support your future, but only if they’re protected with care. At Refine Risk, we build policies that reflect the way you own, operate, and grow.
- Fast turnaround on lender documents, renewals, and endorsements
- Local knowledge of NYC, Westchester, and Fairfield County risk environments
- Strong coverage for long-term value, not just low premiums
- Clear, personal support from advisors who know the rental market
Every property is part of a bigger plan. We help keep that plan stable.
Local Expertise. Street-by-Street Awareness.
New York City
Two-family homes in Brooklyn. Walkups in Queens. Rowhomes in Harlem and the Bronx.
Westchester County
White Plains triplexes. Yonkers rentals. Income-producing properties in New Rochelle.
Fairfield County
Stamford side-by-sides. Bridgeport duplexes. Multi-family holdings in Fairfield and Norwalk.
We know what’s required to protect rental housing in high-demand, high-liability zip codes.
Our Process
Discovery. Design. Implement. Support.
We assess your property, tenants, and goals. Then we build protection that fits your income stream, risk profile, and expansion plans.